Which insurance kicks in when medical costs exceed $10,000 at high schools?

The correct choice is catastrophic insurance, as it is specifically designed to provide coverage for medical expenses that surpass a significant threshold, usually set at $10,000 or higher. In the context of high schools, catastrophic insurance is vital because it safeguards against financial burdens that result from severe injuries that may occur during athletic events or practices. This type of insurance ensures that in cases of serious injury, where medical costs can escalate dramatically, the individual receives adequate support beyond the initial expenses covered by primary health insurance.

In contrast, general liability insurance primarily protects against claims of negligence or injury that occur on school property, rather than covering high medical costs from injuries. Accident insurance typically provides coverage for small-scale injuries and unexpected incidents but would not adequately cover the extensive costs associated with high-level injuries. Workers’ compensation insurance is designed for employees who suffer job-related injuries and is not relevant to students participating in sports. Each of these other types of insurance serves a specific function but does not cover the excessive medical expenses that catastrophic insurance is intended to address.